Collections Strategy Analyst

This is a great opportunity to join Zilch's Risk team in a role that helps shape an important part of the customer lifecycle. As Collections Strategy Analyst, you will support how Zilch manages customers in arrears, improves recovery outcomes, and balances performance with fair and effective customer treatment. Reporting to the Senior Manager, Collections Strategy, this role will be focused on using data to find opportunities, develop practical recommendations, and help deliver improvements across the full collections journey.

Responsibilities

Build an understanding of Zilch's end-to-end collections lifecycle, including early arrears, later-stage collections, external partner activity, and recoveries; Use data and insight to identify opportunities to improve collections strategy, customer treatment, segmentation, allocation, and recovery outcomes; Develop practical recommendations and proposals, with guidance, to support improvements across the collections lifecycle; Monitor collections performance, including targets, trends, customer outcomes, and key metrics such as roll rates, cure rates, liquidation, recoveries, placements, and payment performance; Use SQL to extract, analyse, and summarise data to support collections insight, strategy development, and decision-making; Assist with segmentation and allocation analysis across delinquency stages, customer groups, DCAs, and Debt Purchasers; Support analysis of DCA and Debt Purchaser placement, performance, and outcomes; Help investigate performance movements, identifying potential drivers, risks, and areas for improvement; Track the impact of strategy changes, operational initiatives, and external partner performance; Work with Collections, Credit Risk, Operations, Data, and other stakeholders to turn analysis into practical proposals and next steps; Support ad hoc analysis to answer business questions and improve understanding of collections performance

Requirements

Strong analytical skills and confidence working with data; Exposure to collections, arrears management, recoveries, or credit risk analytics; Good SQL skills, with the ability to query, manipulate, and summarise data; Experience in, or a genuine interest in, Collections, Credit Risk, fintech, lending, or financial services; Ability to interpret analysis, identify opportunities, and explain findings clearly; A proactive mindset, with an interest in turning insight into practical strategy proposals and operational actions; Strong attention to detail, particularly when working with performance data, recurring analysis, and target tracking; Comfortable working with stakeholders across different teams; Awareness of fair customer outcomes and regulatory expectations in a collections environment; Curious, organised, and keen to learn about collections strategy in a fast-moving fintech environment

Nice to have

Experience with Looker or a similar BI/reporting tool; Understanding of BNPL, consumer credit, lending, or payments; Exposure to segmentation, customer treatment strategies, operational performance analysis, or contact strategy; Experience analysing external partner performance, such as DCAs or Debt Purchasers

Benefits

Pension scheme; Death in Service scheme; Income Protection; Share Options Scheme for permanent employees; 5% back on in-app purchases; £200 for WFH Setup; Private Medical Insurance (GP consultations, prescribed medication, in-patient, day-patient and out-patient care, mental health support, optical, dental & audiological cover, physiotherapy, advanced cancer cover, menopause support); Employee Assistance Programme (unlimited mental health sessions, 24/7 remote GP & physiotherapy, 24/7 helpline); Savings & discounts on everyday shopping; 1:1 personalised well-being consultations; Gym membership discounts; Enhanced maternity pay; Enhanced paternity pay; Enhanced adoption pay; Enhanced shared parental leave; Professional Qualifications; Professional Memberships; Learning Suite for e-courses; Internal Training Programmes; FCA & Regulatory training; Casual dress code; Workplace socials; Healthy snacks